# West Community Credit Union

> **Canonical URL:** https://saferate.com/lenders/west-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


West Community Credit Union is a credit union, headquartered in O'Fallon, MO, serving borrowers across 3 states, with 113 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300CCELEPUO4TOE73
- **Headquarters:** O'Fallon, MO
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** GA, IL, MO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.132%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,215
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 113
- **Dollar Volume:** $29 million
- **Applications Received:** 192
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $254,204
- **Average Borrower Income:** $134,956
- **Average Property Value:** $334,912

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 108 | -0.171% | $1,239 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 98 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 103 | $26M | -0.121% | Sound ☺️ |
| Refinance | 20/100 | 10 | $2M | -0.243% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 110 | 0.15% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbia, MO | MO | 51 | 75/100 |
| St. Louis, MO | MO-IL | 49 | 65/100 |
| Non |  | 10 | 25/100 |

## Where This Lender Ranks

West Community Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Columbia, MO
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders)
- 🏆 **#9** in Columbia, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does West Community Credit Union offer?

West Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does West Community Credit Union offer mortgages?

West Community Credit Union offers mortgages in 3 states: GA, IL, MO.

### How competitive are West Community Credit Union's mortgage rates?

West Community Credit Union has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.132% below market average.

### What type of lender is West Community Credit Union?

West Community Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in O'Fallon, MO.

### What is West Community Credit Union's loan approval success rate?

West Community Credit Union has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/west-community-credit-union

### How to Cite

> "West Community Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/west-community-credit-union

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